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In a recent study published in Polymers, researchers created a thin, flexible film using calcium caseinate, a commercially available form of casein, the primary protein found in milk. They blended it with modified starch and bentonite nanoclay, then added glycerol and polyvinyl alcohol to improve durability and flexibility. The goal was to produce a material that performs like conventional plastic while being far more environmentally friendly.
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With lower mortgage rates, monthly payments are smaller, which frees up cash. For example, for a mortgage rate of around 6% compared to 6.85%, the difference in payment on a $600,000 loan is about $310 per month.